PricewaterhouseCoopers (PwC)

Global professional services: assurance, tax, consulting

Advisory Associate - Operations

Technology & Systems ConsultingConfirmed live in the last 24 hours

Full-timeMumbai, Maharashtra, IndiaNo salary listedIn-person

About the Job

Requirements

Have experience in at least one of the cards business, cards operations, or cards technology areas.
For cards business: experience creating card product propositions, target segmentation, customer acquisition strategies, loyalty programs, profit and loss management, and strategic partnerships.
For cards business: experience or understanding of cross-sell and affordability programs.
For cards business: experience managing card portfolios, business development, and scaling card portfolios, including improving activation and monthly engagement rates.
For cards business: experience designing end-to-end customer engagement communications and campaigns to improve portfolio activity.
For cards business: understanding of credit and underwriting risk and scorecard analysis.
For cards business: consultation experience with banks or FinTechs on creating viable product propositions aligned with market expectations.
For cards business: hands-on experience implementing a new card product from ideation and planning through launch.
For cards business: experience establishing a cards business for a new bank or FinTech and ensuring product profitability.
For cards operations: experience with end-to-end card operations for a bank or FinTech.
For cards operations: experience managing credit, debit, or virtual card operations for banks or FinTechs.
For cards operations: understanding of pre-issuance, authorization, disputes, collections, non-performing assets, scheme reporting, reconciliation and settlement, and other post-issuance operations.
For cards operations: experience setting up one or two key credit-card operations areas, such as pre-issuance, post-issuance, repayments, disputes, authorization, reconciliation and settlement, or collections.
For cards operations: understanding of transaction authorization and fraud-monitoring frameworks.
For cards operations: experience with a major card management system platform.
For cards operations: experience creating process documents, standard operating procedures, and operational requirements.
For cards operations: experience conducting user acceptance testing and managing vendors across end-to-end card operations.
For cards operations: experience improving operational processes by implementing automation.
For cards technology: 2–8 years of card payments domain experience, preferably as a Business Analyst, Product Manager, or Product Owner.
For cards technology: experience with a major card management system, authorizations, clearing and settlements, fraud, and disputes.
For cards technology: hands-on experience implementing end-to-end card issuing and processing.
For cards technology: experience working with card schemes on certifications for tokenization, disputes, and related areas.
For cards technology: ability to write business requirements documents and functional requirements documents, and conduct user acceptance testing for card lifecycle features and requirements.
For cards technology: experience defining and creating technical documents for development and implementation.
For cards technology: understanding of standard messages such as ISO 8583, scheme settlement files, and scheme simulators such as VTS and MCPS.
For cards technology: exposure to web services and application programming interfaces, and experience with Postman.
For cards technology: knowledge of SQL, data analysis, and cloud deployments or migrations.
Required skills include credit card processing and operations processes.
Required qualification: BE, BTech, or postgraduate qualification.
Required experience: 4–8 years.

Responsibilities

Help clients identify and prioritize emerging technologies that can solve business problems.
Help clients design approaches to integrate new technologies, skills, and processes to maximize technology investment and drive business results and innovation.

Desired Qualifications

Preferred skill set: credit cards.
For cards technology, experience as a Business Analyst, Product Manager, or Product Owner is preferred.

Line of Service

Advisory

Industry/Sector

FS X-Sector

Specialism

Operations

Management Level

Associate

Job Description & Summary

A career within Application and Emerging Technology services, will provide you with a unique opportunity to help our clients identify and prioritise emerging technologies that can help solve their business problems. We help clients design approaches to integrate new technologies, skills, and processes so they can get the most out of their technology investment and drive business results and innovation.

Must have experience in any of the following:
Cards Business:
 Experience in creating new product propositions, target segmentation, customer acquisition
strategies, loyalty programs, P&L and strategic partnerships around cards.
 Must have an experience or understanding of cross-sell/ affordability programs.
 Experience in card portfolio management, business development and scaling existing card
portfolios including enhancing activation and monthly engagement rates.
 Experience in designing end to end customer engagement communication plan and campaigns
to improve portfolio activity
 Must have understanding of credit and underwriting risk, scorecard analysis
 Have provided consultation to banks or FinTechs on creating new viable product proposition
with market expectation.
 Must have hands on experience in cards implementation from ideation, planning to launch for a
new card product.
 Experience in setting up entire cards business for new bank/Fintech and ensuring profitability of
the new product.
Cards Operations:
 Must have worked on the end-to-end cards operations for a bank or Fintech.
 Have managed card operations for credit cards, debit cards or virtual cards for banks or
Fintechs
 Good understanding of operations process and key components for pre-issuance,
authorizations, disputes, collections, NPA, scheme reporting, reconciliation & Settlement and
other post issuance activities.
 Experience in setting up at least 1 or 2 key areas of credit card operations from Pre-Issuance,
Post issuance, Repayments, disputes, authorization, recon & settlement, collections for a Bank
 Must have an understanding transaction authorization and fraud monitoring framework.
 Experience in working on any of the major card management system (CMS) platform.
 Experience in creating process documents, SOPs and operational requirements.
 Experience in conducting UAT and managing vendors from end-to-end cards operations.
 Have worked on improving the operational process by implementing automation to the
existing cards operations process.
Cards Technology:
 Extensive 2-8 years of experience in card payments domain preferably as a Business Analyst,
Product Manager or Product Owner role.
 Experience working on any major Card management systems(CMS) , Authorizations, Clearing &
Settlements, Frauds and Disputes.
 Must have hands on experience working on end-to-end implementations for card issuing &
processing.
 Experience working with card schemes on certifications for tokenization, disputes etc.
 Ability to write BRDs, FRDs and conduct UAT for the features and requirements of card Lifecycle.

 Experience in defining and creating technical documents for the development and
implementation.
 Good understanding on standard messages such as ISO 8583, scheme settlement files, scheme
simulators such VTS, MCPS etc.
 Good exposure on webservices, APIs and have worked on tools such as Postman.
 Knowledge on SQL, Data Analysis and Cloud deployments/migrations.

Mandatory skill sets- credit cards

Preferred skill sets - credit cards
Year of experience required -4-8 years
Qualifications- be/btech/postgraduate

Education (if blank, degree and/or field of study not specified)

Degrees/Field of Study required:Degrees/Field of Study preferred:

Certifications (if blank, certifications not specified)

Required Skills

Credit Card Processing, Operations Processes

Optional Skills

Desired Languages (If blank, desired languages not specified)

Travel Requirements

Not Specified

Available for Work Visa Sponsorship?

Government Clearance Required?

Job Posting End Date

About the Company

PricewaterhouseCoopers (PwC)

Global professional services: assurance, tax, consulting

PwC provides assurance (audit), tax, legal services, consulting and deals advisory to organisations worldwide. It uses multidisciplinary teams across accounting, advisory, technology and industry, delivered through a global network of locally established firms that collaborate with technology partners to offer AI, cloud, managed services and digital trust. PwC differentiates itself with an integrated, global-local service model and technology-enabled offerings that address complex client needs across risk, transformation, reporting and sustainability. Its goal is to help clients improve governance, efficiency and value by supporting reporting accuracy, business transformation, risk management and sustainable practices.

Company size: 10,001+
Company stage: Early VC
Total funding: $3.3M
Headquarters: London, United Kingdom
Founded: 1989

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